Department of Labor filing

ESSA BANK & TRUST

ESSA BANK & TRUST 401(K) PLAN · For the plan year ended Dec 31, 2024

Public filing 2024 · received Jul 11, 2025Verified current terms Not available

Plan at a glance

How good does the filing look?

31filing comparison
out of 100

The filing trails many comparable plans on reported employer support and/or plan-paid administrative costs. This is a filing comparison, not a complete benefits score.

$Employer support

$2,502

Reported employer contributions per active participant.

Higher than about 31% of comparable plans

#People in the filing

223

Active participants reported for 2024.

The filing does not say how many employees are currently contributing.

¢Visible plan-paid fees

$269 / participant

Reported administrative expense—not every fee an employee may pay.

Lower cost than about 29% of comparable plans

↗Investment performance

Not available

Plan assets changed 9.5%, but that includes contributions, withdrawals, and market movement.

Asset change is not investment performance.

What we still need to judge the benefit

Current match formula, vesting, eligibility, investment choices, fund expense ratios, and employee-level fees.

See missing terms ↓

Filing comparison · 202431out of 100 among similar-size plans in the same industry when enough peers exist

How this filing compares

Reported employer contributions31st percentileTypical peer $3,279 · based on 1,427 comparable plans

Lower reported administrative expense29th percentileTypical peer $184 · based on 1,443 comparable plans

This comparison uses historical filing figures. It does not compare current match formulas, vesting, investments, or employee fees.

The short version

What the latest filing tells us

For the plan year ended Dec 31, 2024, ESSA BANK & TRUST reported $558,035 in employer contributions across the plan and 223 active participants. That works out to $2,502 per active participant. It is useful context, but it is not the current match formula and it does not show what any one employee received.

Participation proxy86%

Active participants divided by all end-of-year plan participants. This is not the company participation rate because the filing does not report every eligible employee.

Employer money trendUp 17.7%

Change in reported employer contribution per active participant across the filing history shown.

Expense trendDown 0.0%

Change in reported administrative expense per participant. Investment expenses may not be included.

Peer context31/100

A filing comparison among similar-size plans in the same industry when enough peers exist.

Where the public filing stops

Current match, vesting, eligibility, employee fees, and investment choices require a dated plan document. Until we have one, those details stay blank.

Latest financial record

Contributions, assets, and expenses

These figures are reported totals for the plan—not individual account balances or promises to any employee.

Employer contributions: $558,035
Participant contributions: $1,217,309
Other contributions: $165,984
Employer share of reported contributions: 31.4%
Beginning assets: $21,092,250
Ending assets: $23,102,741
Ending net assets: $23,102,741
Ending liabilities: $0
Total income: $4,173,226
Total expenses: $2,162,735
Administrative expenses: $76,150
Participant loans: $11,450

Three-year filing history

How the reported figures changed

Each chart uses its own scale and starts at zero. When the filing has no value, the chart says so rather than turning it into a zero.

Employer contributions reported per active participant

2022

$2,127

2023

$2,219

2024

$2,502

Plan-paid administrative expenses per participant

2022

$269

2023

$247

2024

$269

Active participants

2022

237

2023

235

2024

223

Detailed filing history
Plan year	Per active participant	Active participants	Plan assets	Filing ID
2024	$2,502	223	23.1M	20250711083357NAL0007160689001
2023	$2,219	235	21.1M	20240710095832NAL0014712481001
2022	$2,127	237	20.2M	20230727125216NAL0006491635001

Changes in plan assets are not the same as investment performance. Each row uses the selected public filing for that year.

Plan operations

Details worth knowing

Participant loans as a share of plan assets: 0.0%
Independent accountant’s opinion: Unqualified opinion Code 1
Late participant contributions reported: Not stated in the filing
Public plan identifier: 240568185-002

Reported plan details

Identity and filing status

Plan type: Retirement plan
Employer arrangement: Single-employer plan
Plan effective date: Dec 1, 1985
Industry: Finance and insurance
Amended filing: No
Final filing for this plan: No
Short plan year: No
401(k) feature reported: Yes
Show DOL characteristic codes
2E2F2G2J2K2T3D

Current plan terms

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Filing ACK_ID20250711083357NAL0007160689001

Data sourceDOL Form 5500 bulk data ↗

Filing searchEFAST2 ↗